Pennsylvania auto insurance:
In a six months study in 1992, I produced the report entitled
"Operation
of an Audited-Mile/Year Automobile Insurance System Under
Pennsylvania Law." (It was published in the Casualty
Actuarial Society’s 1993 Summer Forum: pages 307-338.)[1]
This study developed the representative transaction-by-transaction
approach for subsequent operational studies. Although odometers were
mechanical and annual policies were assumed, the principles were the
same as now.

On
the basis of this report, the Legislature passed HB 45 - the odmeter-miles exposure base option law -
into law in 2001. Although HB 45 sunset in September
2005, the legislative validation of per-mile insurance as an
optional alternative to the car year exposure unit led to
regulatory approval for the MileMeter Insurance Company to
become a licensed carrier in 2008, and to sell coverage at
cents-per-mile rates based on odometer readings.